Alexandria Real Estate Equities Employees Should be Aware that the Student Loan Payment Pause was Extended Through January 2022

Healthcare Provider Update: Healthcare Provider for Alexandria Real Estate Equities Alexandria Real Estate Equities typically collaborates with a variety of healthcare insurance providers to facilitate employee health benefits. While specific affiliations may vary, employees commonly have access to major health insurance networks such as UnitedHealthcare, Anthem, or Cigna, ensuring comprehensive coverage aligned with their health care needs. Potential Healthcare Cost Increases for Alexandria Real Estate Equities in 2026 As Alexandria Real Estate Equities prepares for 2026, employees may face significant healthcare cost increases due to anticipated sharp rises in Affordable Care Act (ACA) premiums. With some states projecting hikes of over 60%, many employees could see their out-of-pocket healthcare expenses rise markedly. Additionally, without the renewal of enhanced federal premium subsidies, over 22 million policyholders may experience premium increases exceeding 75%. Alexandria Real Estate Equities employees should proactively review their benefits and consider strategic adjustments to mitigate the impact of these looming cost escalations. Click here to learn more

How Alexandria Real Estate Equities employees can navigate federal student loan repayment: This article provides a framework for Alexandria Real Estate Equities employees to understand the current federal student loan landscape and make the most of available repayment options and employer benefits, suggests Tyson Mavar, a representative from The Retirement Group, a division of Wealth Enhancement Group.

Wesley Boudreaux of The Retirement Group, a division of Wealth Enhancement Group, advises Alexandria Real Estate Equities employees with federal student loans to take stock of their current repayment plan and explore the updated options available now that the pandemic-era payment pause has ended.

In this article, we will cover:

The end of the federal student loan payment pause: A summary of the pandemic-era moratorium and what happened when repayment resumed.

The effects on Alexandria Real Estate Equities employees: How the current repayment environment affects both personal and Parent PLUS Loans.

New employer benefits and available programs: What Alexandria Real Estate Equities employees can take advantage of under current law.

Background: The student loan payment pause has ended.

Federal student loan repayment resumed on September 1, 2023, after more than three years of pandemic-era relief. The COVID-19 payment pause, which began in March 2020 under the CARES Act, was extended multiple times. After the U.S. Supreme Court's June 2023 ruling blocked broad student loan cancellation, the final pause ended and repayment restarted. The Department of Education implemented a one-year on-ramp period through October 2024, during which missed payments did not trigger credit reporting -- but interest continued to accrue. As of late 2024, standard monthly repayment is fully in effect for all Alexandria Real Estate Equities employees with federal student loans.

Alexandria Real Estate Equities employees nearing retirement should be aware that Parent PLUS Loans -- federal loans that parents can take out to help pay for their children's education -- resumed repayment along with all other federal loans in 2023. Income-driven repayment (IDR) options remain available for eligible borrowers. Alexandria Real Estate Equities employees should note, however, that the Saving on a Valuable Education (SAVE) plan -- introduced in 2023 as the most generous IDR option -- was blocked by federal courts in 2024 and is currently in administrative forbearance while legal challenges are resolved. Time spent in SAVE forbearance does not count toward Public Service Loan Forgiveness (PSLF), and borrowers cannot make qualifying PSLF payments while in the plan. Two other IDR plans -- Income-Contingent Repayment (ICR) and Pay As You Earn (PAYE) -- are being phased out and will end in mid-2028. The standard 10-year repayment plan and Income-Based Repayment (IBR) remain fully available.

Does interest accrue during current forbearance periods?

Yes. Unlike the pandemic-era pause, the SAVE administrative forbearance does accrue interest. Alexandria Real Estate Equities employees enrolled in SAVE who are in administrative forbearance may wish to consider voluntary payments to prevent interest buildup.

Do private student loans qualify for income-driven repayment?

No. Alexandria Real Estate Equities employees should remember that private student loans are not eligible for federal IDR plans, PSLF, or federal forbearance protections. Only federal government-held loans -- including Federal Direct Loans, Federal Perkins Loans, and FFEL Program loans held by the Department of Education -- are eligible.

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Alexandria Real Estate Equities employees whose employer offers student loan repayment assistance should be aware of a significant development: the One Big Beautiful Bill Act (OBBBA), signed into law in July 2025, permanently extended the employer benefit allowing companies to contribute up to $5,250 per year toward an employee's student loan repayment on a tax-free basis. This benefit was originally a temporary CARES Act provision. Alexandria Real Estate Equities employees are encouraged to check with their HR department to determine whether this benefit is available and to contact their loan servicer to review their current repayment plan status.

Sources:

1. U.S. Department of Education. 'Federal Student Loan Payment Restart.' StudentAid.gov, 2023,  studentaid.gov/announcements-events/covid-19 .

2. U.S. Department of Education. 'Repayment Plans.' StudentAid.gov, 2025,  studentaid.gov/manage-loans/repayment/plans .

3. NPR. 'Federal student loans are changing. Here’s what to expect in 2026.' NPR, December 2025,  www.npr.org .

4. U.S. Congress. One Big Beautiful Bill Act. Signed July 2025.

5. Federal Reserve Bank of New York. 'Household Debt and Credit Report.' Federal Reserve Bank of New York, Q4 2025,  www.newyorkfed.org/microeconomics/hhdc .